FBIZ
First Business Financial Services, Inc.
Price Chart
Latest Quote
$60.68
+0.34 (+0.56%)
Current Price
| Previous Close | $60.34 |
| Open | $60.17 |
| Day High | $61.04 |
| Day Low | $60.12 |
| Volume | 31,734 |
Stock Information
| Quarterly Dividend / Yield | $1.26 / 2.08% |
| Shares Outstanding | 8.36M |
| Quarterly Dividend Yield | 2.08% |
| Quarterly Dividend | $1.26 |
| Total Debt | $346.34M |
| Cash Equivalents | $71.72M |
| Revenue | $163.13M |
| Net Income | $49.54M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $507.42M |
| P/E Ratio | 10.06 |
| EPS (TTM) | $6.03 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $791.18M |
| Sales | $163.13M |
| Income | $49.54M |
| Book/sh | $44.12 |
| Cash/sh | $8.58 |
| Employees | 378 |
Financial Ratios
| EPS Growth TTM | 9.20% |
Returns & Margins
| ROA | 1.24% |
| ROE | 14.34% |
| Operating Margin | 36.99% |
| Profit Margin | 31.48% |
Ownership
| Insider Ownership | 4.84% |
| Institutional Ownership | 71.46% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.05 |
| PEG | 1.24 |
| P/S | 3.11 |
| P/B | 1.38 |
Analyst Data
| Recommendation | none |
| Target Price | $65.60 |
Technical Indicators
| SMA20 | $58.52 |
| SMA50 | $57.33 |
| SMA200 | $54.14 |
| RSI | 68.39 |
| ATR | 1.6146 |
| Shares Float | 7.82M |
| Short Float | 1.05% |
| Short Ratio | 2.73 |
| Volatility | 0.68 |
| Rel Volume | 0.85 |
Performance History
| Week | +0.10% |
| Month | +7.61% |
| Quarter | +18.10% |
| 6 Months | +6.62% |
| YTD | +14.60% |
| Year | +31.63% |
| 3 Years | +117.14% |
| 5 Years | +153.55% |
| 10 Years | +230.14% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $60.68 | 31,734 |
| 2026-06-18 | $60.34 | 69,600 |
| 2026-06-17 | $59.51 | 54,400 |
| 2026-06-16 | $59.96 | 26,100 |
| 2026-06-15 | $59.36 | 30,200 |
| 2026-06-12 | $60.62 | 28,100 |
| 2026-06-11 | $59.77 | 57,800 |
| 2026-06-10 | $60.09 | 53,800 |
| 2026-06-09 | $59.24 | 38,400 |
| 2026-06-08 | $58.42 | 21,500 |
| 2026-06-05 | $58.13 | 41,500 |
| 2026-06-04 | $57.70 | 30,800 |
| 2026-06-03 | $55.79 | 47,200 |
| 2026-06-02 | $57.42 | 31,800 |
| 2026-06-01 | $56.42 | 29,900 |
| 2026-05-29 | $57.52 | 20,800 |
| 2026-05-28 | $57.49 | 33,600 |
| 2026-05-27 | $57.26 | 22,800 |
| 2026-05-26 | $57.66 | 38,800 |
| 2026-05-22 | $57.08 | 42,100 |
About First Business Financial Services, Inc.
First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
đ° Latest News
Why First Business Financial Services (FBIZ) is a Great Dividend Stock Right Now
Zacks âĸ 2026-06-10T15:45:01Z
Why The Narrative On First Business Financial Services (FBIZ) Is Shifting After Mixed Analyst Targets
Simply Wall St. âĸ 2026-06-08T00:16:51Z
First Business Financial Services (FBIZ) Could Be a Great Choice
Zacks âĸ 2026-05-25T15:45:02Z
Are You Looking for a High-Growth Dividend Stock?
Zacks âĸ 2026-05-08T15:45:02Z
How The First Business Financial Services (FBIZ) Story Is Shifting With New Targets And Risks
Simply Wall St. âĸ 2026-05-04T00:16:48Z
First Business Financial Services Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-27T14:39:08Z
First Business Financial Services, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-24T12:30:00Z
First Business Financial Services (FBIZ) Reports Q1 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-04-23T23:30:01Z
First Business Financial Services (FBIZ) Beats Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-23T21:55:05Z
Why The First Business Financial Services (FBIZ) Story Is Shifting As Fair Value Gets Reworked
Simply Wall St. âĸ 2026-04-19T11:06:54Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $168,627,000 | $153,457,000 | $143,896,000 | $127,850,000 |
| Operating Revenue | $168,627,000 | $153,457,000 | $143,896,000 | $127,850,000 |
| Expenses | ||||
| Interest Expense | $110,620,000 | $108,924,000 | $82,340,000 | $22,949,000 |
| Selling And Marketing Expense | $3,844,000 | $3,518,000 | $2,889,000 | $2,354,000 |
| General And Administrative Expense | $71,105,000 | $65,865,000 | $63,297,000 | $58,784,000 |
| Professional Expense And Contract Services Expense | $5,018,000 | $5,671,000 | $5,325,000 | $4,881,000 |
| Other Non Interest Expense | $15,868,000 | $14,739,000 | $13,343,000 | $10,006,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Interest Income | $136,690,000 | $124,206,000 | $112,588,000 | $98,422,000 |
| Interest Income | $247,310,000 | $233,130,000 | $194,928,000 | $121,371,000 |
| Normalized Income | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Income From Continuing And Discontinued Operation | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Income Common Stockholders | $48,491,000 | $42,337,000 | $35,214,000 | $39,069,000 |
| Net Income | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Income Including Noncontrolling Interests | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Income Continuous Operations | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Pretax Income | $60,453,000 | $51,150,000 | $47,139,000 | $52,244,000 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $5.94 | $5.20 | $4.33 | $4.75 |
| Basic EPS | $5.94 | $5.20 | $4.33 | $4.75 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $3,774,000 | $3,738,000 | $3,636,000 | $4,066,000 |
| Diluted Average Shares | $8,158,208 | $8,148,259 | $8,131,251 | $8,226,943 |
| Basic Average Shares | $8,158,208 | $8,148,259 | $8,131,251 | $8,226,943 |
| Diluted NI Availto Com Stockholders | $48,491,000 | $42,337,000 | $35,214,000 | $39,069,000 |
| Otherunder Preferred Stock Dividend | $953,000 | $1,033,000 | $938,000 | $1,106,000 |
| Preferred Stock Dividends | $875,000 | $875,000 | $875,000 | $683,000 |
| Tax Provision | $10,134,000 | $6,905,000 | $10,112,000 | $11,386,000 |
| Gain On Sale Of Security | $0 | $-8,000 | $-45,000 | $0 |
| Selling General And Administration | $74,949,000 | $69,383,000 | $66,186,000 | $61,138,000 |
| Insurance And Claims | $3,231,000 | $2,760,000 | $2,238,000 | $1,042,000 |
| Salaries And Wages | $67,874,000 | $63,105,000 | $61,059,000 | $57,742,000 |
| Occupancy And Equipment | $3,684,000 | $3,687,000 | $3,721,000 | $3,449,000 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $359,600,000 | $316,677,000 | $277,565,000 | $248,481,000 |
| Total Assets | $4,081,887,000 | $3,853,215,000 | $3,507,846,000 | $2,976,611,000 |
| Goodwill And Other Intangible Assets | $11,985,000 | $11,912,000 | $12,023,000 | $12,159,000 |
| Other Intangible Assets | $1,300,000 | $1,212,000 | $1,323,000 | $1,459,000 |
| Prepaid Assets | $4,791,000 | $4,221,000 | $4,269,000 | $3,821,000 |
| Receivables | $13,100,000 | $12,879,000 | $13,275,000 | $9,403,000 |
| Accounts Receivable | $13,100,000 | $12,879,000 | $13,275,000 | $9,403,000 |
| Cash And Cash Equivalents | $39,485,000 | $157,702,000 | $139,510,000 | $102,682,000 |
| Cash Equivalents | $8,714,000 | $128,207,000 | $107,162,000 | $76,871,000 |
| Cash Financial | $30,771,000 | $29,495,000 | $32,348,000 | $25,811,000 |
| Cash Cash Equivalents And Federal Funds Sold | $39,485,000 | $157,702,000 | $139,510,000 | $102,682,000 |
| Other Receivables | - | - | - | $12,149,000 |
| Debt | ||||
| Net Debt | $212,566,000 | $162,347,000 | $191,406,000 | $354,126,000 |
| Total Debt | $259,412,000 | $327,975,000 | $339,870,000 | $466,983,000 |
| Long Term Debt And Capital Lease Obligation | $259,412,000 | $327,975,000 | $339,870,000 | $466,983,000 |
| Long Term Debt | $252,051,000 | $320,049,000 | $330,916,000 | $456,808,000 |
| Current Debt And Capital Lease Obligation | $0 | $0 | $0 | $0 |
| Current Debt | $0 | $0 | $0 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,710,302,000 | $3,524,626,000 | $3,218,258,000 | $2,715,971,000 |
| Derivative Product Liabilities | $36,926,000 | $57,068,000 | $51,949,000 | $61,419,000 |
| Payables And Accrued Expenses | - | - | - | $19,363,000 |
| Payables | - | - | - | $19,363,000 |
| Accounts Payable | - | - | - | $19,363,000 |
| Equity | ||||
| Common Stock Equity | $359,593,000 | $316,597,000 | $277,596,000 | $248,648,000 |
| Preferred Stock Equity | $11,992,000 | $11,992,000 | $11,992,000 | $11,992,000 |
| Total Equity Gross Minority Interest | $371,585,000 | $328,589,000 | $289,588,000 | $260,640,000 |
| Stockholders Equity | $371,585,000 | $328,589,000 | $289,588,000 | $260,640,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,740,000 | $-11,425,000 | $-13,717,000 | $-15,310,000 |
| Other Equity Adjustments | $-9,740,000 | $-11,425,000 | $-13,717,000 | $-15,310,000 |
| Retained Earnings | $305,536,000 | $265,778,000 | $230,728,000 | $203,507,000 |
| Long Term Equity Investment | $68,367,000 | $59,072,000 | $15,027,000 | $13,599,000 |
| Other | ||||
| Treasury Shares Number | $1,167,898 | $1,139,709 | $1,103,685 | $1,008,993 |
| Ordinary Shares Number | $8,325,376 | $8,293,928 | $8,314,778 | $8,362,085 |
| Share Issued | $9,493,274 | $9,433,637 | $9,418,463 | $9,371,078 |
| Tangible Book Value | $347,608,000 | $304,685,000 | $265,573,000 | $236,489,000 |
| Invested Capital | $611,644,000 | $636,646,000 | $608,512,000 | $705,456,000 |
| Capital Lease Obligations | $7,361,000 | $7,926,000 | $8,954,000 | $10,175,000 |
| Total Capitalization | $623,636,000 | $648,638,000 | $620,504,000 | $717,448,000 |
| Treasury Stock | $32,786,000 | $31,396,000 | $30,126,000 | $27,155,000 |
| Additional Paid In Capital | $96,487,000 | $93,545,000 | $90,616,000 | $87,512,000 |
| Capital Stock | $12,088,000 | $12,087,000 | $12,087,000 | $12,086,000 |
| Common Stock | $96,000 | $95,000 | $95,000 | $94,000 |
| Preferred Stock | $11,992,000 | $11,992,000 | $11,992,000 | $11,992,000 |
| Long Term Capital Lease Obligation | $7,361,000 | $7,926,000 | $8,954,000 | $10,175,000 |
| Line Of Credit | $0 | $0 | $0 | $0 |
| Investments And Advances | $495,664,000 | $407,205,000 | $356,232,000 | $253,948,000 |
| Held To Maturity Securities | $4,465,000 | $6,741,000 | $8,503,000 | $12,635,000 |
| Available For Sale Securities | $45,274,000 | $44,392,000 | $35,696,000 | $15,690,000 |
| Goodwill | $10,685,000 | $10,700,000 | $10,700,000 | $10,700,000 |
| Net PPE | $9,986,000 | $10,929,000 | $12,749,000 | $12,030,000 |
| Accumulated Depreciation | $-10,971,000 | $-9,825,000 | $-8,728,000 | $-8,435,000 |
| Gross PPE | $20,957,000 | $20,754,000 | $21,477,000 | $20,465,000 |
| Leases | $5,572,000 | $5,572,000 | $5,557,000 | $4,525,000 |
| Other Properties | $5,317,000 | $5,702,000 | $6,559,000 | $7,690,000 |
| Machinery Furniture Equipment | $10,068,000 | $9,480,000 | $9,361,000 | $8,250,000 |
| Other Short Term Investments | $377,558,000 | $341,392,000 | $297,006,000 | $212,024,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $61,101,000 | $57,268,000 | $49,408,000 | $35,422,000 |
| Operating Activities | ||||
| Operating Cash Flow | $61,696,000 | $57,491,000 | $52,292,000 | $38,645,000 |
| Cash Flow From Continuing Operating Activities | $61,696,000 | $57,491,000 | $52,292,000 | $38,645,000 |
| Operating Gains Losses | $-315,000 | $1,369,000 | $2,867,000 | $-2,167,000 |
| Investing Activities | ||||
| Capital Expenditure | $-595,000 | $-223,000 | $-2,884,000 | $-3,223,000 |
| Investing Cash Flow | $-373,382,000 | $-328,472,000 | $-506,849,000 | $-245,267,000 |
| Cash Flow From Continuing Investing Activities | $-373,382,000 | $-328,472,000 | $-506,849,000 | $-245,267,000 |
| Net Other Investing Changes | $-21,329,000 | $419,000 | $5,771,000 | $-2,596,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,390,000 | $-1,270,000 | $-2,971,000 | $-6,126,000 |
| Financing Cash Flow | $193,469,000 | $289,173,000 | $491,385,000 | $252,194,000 |
| Cash Flow From Continuing Financing Activities | $193,469,000 | $289,173,000 | $491,385,000 | $252,194,000 |
| Cash Dividends Paid | $-10,561,000 | $-9,195,000 | $-8,453,000 | $-7,371,000 |
| Preferred Stock Dividend Paid | $-875,000 | $-875,000 | $-875,000 | $-683,000 |
| Common Stock Dividend Paid | $-9,686,000 | $-8,320,000 | $-7,578,000 | $-6,688,000 |
| Net Common Stock Issuance | $-1,390,000 | $-1,270,000 | $-2,971,000 | $-6,126,000 |
| Dividends Received Cfi | $45,000 | $174,000 | $101,000 | $474,000 |
| Issuance Of Capital Stock | - | $0 | $0 | $11,992,000 |
| Net Preferred Stock Issuance | - | $0 | $0 | $11,992,000 |
| Preferred Stock Issuance | - | $0 | $0 | $11,992,000 |
| Other | ||||
| Repayment Of Debt | $-1,115,150,000 | $-1,163,378,000 | $-1,704,743,000 | $-2,399,147,000 |
| Issuance Of Debt | $1,047,152,000 | $1,152,511,000 | $1,578,851,000 | $2,442,429,000 |
| Interest Paid Supplemental Data | $111,378,000 | $109,610,000 | $75,533,000 | $20,110,000 |
| Income Tax Paid Supplemental Data | $3,307,000 | $158,000 | $7,456,000 | $8,038,000 |
| End Cash Position | $39,485,000 | $157,702,000 | $139,510,000 | $102,682,000 |
| Beginning Cash Position | $157,702,000 | $139,510,000 | $102,682,000 | $57,110,000 |
| Changes In Cash | $-118,217,000 | $18,192,000 | $36,828,000 | $45,572,000 |
| Proceeds From Stock Option Exercised | $143,000 | $144,000 | $128,000 | $134,000 |
| Common Stock Payments | $-1,390,000 | $-1,270,000 | $-2,971,000 | $-6,126,000 |
| Net Issuance Payments Of Debt | $-67,998,000 | $-10,867,000 | $-125,892,000 | $43,282,000 |
| Net Long Term Debt Issuance | $-67,998,000 | $-10,867,000 | $-125,892,000 | $43,282,000 |
| Long Term Debt Payments | $-1,115,150,000 | $-1,163,378,000 | $-1,704,743,000 | $-2,399,147,000 |
| Long Term Debt Issuance | $1,047,152,000 | $1,152,511,000 | $1,578,851,000 | $2,442,429,000 |
| Net Investment Purchase And Sale | $-83,159,000 | $-61,459,000 | $-101,219,000 | $-40,770,000 |
| Sale Of Investment | $70,549,000 | $103,767,000 | $31,321,000 | $47,932,000 |
| Purchase Of Investment | $-153,708,000 | $-165,226,000 | $-132,540,000 | $-88,702,000 |
| Net PPE Purchase And Sale | $-595,000 | $-193,000 | $-2,884,000 | $-3,223,000 |
| Sale Of PPE | $0 | $30,000 | $0 | $0 |
| Purchase Of PPE | $-595,000 | $-223,000 | $-2,884,000 | $-3,223,000 |
| Change In Working Capital | $-3,148,000 | $1,713,000 | $-7,450,000 | $-4,929,000 |
| Change In Other Working Capital | $-2,755,000 | $-1,649,000 | $-1,494,000 | $-2,227,000 |
| Change In Payables And Accrued Expense | $-21,193,000 | $-2,874,000 | $15,423,000 | $5,026,000 |
| Change In Payable | $-21,193,000 | $-2,874,000 | $15,423,000 | $5,026,000 |
| Change In Account Payable | $-21,193,000 | $-2,874,000 | $15,423,000 | $5,026,000 |
| Change In Receivables | $20,800,000 | $6,236,000 | $-21,379,000 | $-7,728,000 |
| Changes In Account Receivables | $20,800,000 | $6,236,000 | $-21,379,000 | $-7,728,000 |
| Other Non Cash Items | $-5,027,000 | $-8,252,000 | $-1,314,000 | $1,577,000 |
| Excess Tax Benefit From Stock Based Compensation | $237,000 | $186,000 | $194,000 | $264,000 |
| Stock Based Compensation | $2,800,000 | $2,785,000 | $2,977,000 | $2,584,000 |
| Asset Impairment Charge | $289,000 | $401,000 | $0 | - |
| Amortization Of Securities | $5,669,000 | $5,992,000 | $4,053,000 | $1,035,000 |
| Deferred Tax | $-1,557,000 | $-3,513,000 | $2,120,000 | $-775,000 |
| Deferred Income Tax | $-1,557,000 | $-3,513,000 | $2,120,000 | $-775,000 |
| Depreciation Amortization Depletion | $3,774,000 | $3,738,000 | $3,636,000 | $4,066,000 |
| Depreciation And Amortization | $3,774,000 | $3,738,000 | $3,636,000 | $4,066,000 |
| Depreciation | $3,774,000 | $3,738,000 | $3,636,000 | $4,066,000 |
| Net Income From Continuing Operations | $50,319,000 | $44,245,000 | $37,027,000 | $40,858,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $315,000 |
| Sale Of Business | - | $0 | $0 | $315,000 |
| Gain Loss On Investment Securities | - | $177,000 | $0 | $0 |
| Gain Loss On Sale Of PPE | - | $10,000 | $73,000 | $0 |
| Net Short Term Debt Issuance | - | - | $-6,013,000 | $-5,132,000 |
Fetched: 2026-06-22